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Surprised-BOA luv button instant CLI

Established Contributor

Surprised-BOA luv button instant CLI

Hey all

 

Just hit the luv button, doubled my credit limit from 3K to 6K. Pulled Transunion as usual. Thought i would get the "please call for an instant decision" and end up with a 4K to 5K limit overall. Especially since i last asked for an increase on july 7th(1.2K to 3K), so it hasn't even been 4 months, and i have a couple new accounts under 3 months old.

 

 This is actually my third CLI from them in 6.5 months, the first one was in April when the card was still secured from 600 to 1.2K. So i guess this wait 6 months thing with them is definitely not a hard and fast rule. I definitely won't be trying to double up again anytime soon though, my income is still in the 30K's.

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 1 of 19
18 REPLIES
Established Contributor

Re: Surprised-BOA luv button instant CLI

Congrats.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Message 2 of 19
Valued Contributor

Re: Surprised-BOA luv button instant CLI

Congrats on the CLI.

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 832 EX 783 TU 816
App free since 9/15/15
Message 3 of 19
New Contributor

Re: Surprised-BOA luv button instant CLI

Congratz

Scores: EQ-798 EX-802 TU-786

CC: |Amex PRG - NPSL| |Citi Simplicity - 22.6K| |CapOne No Hassle Rewards - 20K| |Chase Freedom 17.5K| |CSP 15K| |Discover IT - 7.8K| |Discover More - 6.1K| |GE PC Richard - 4.5K| |Amex Delta Gold - 3.5K| |Citi Goodyear - 2.5K| |CapOne Kohls - 1.5K| |GAP - 1.5K| |Macy's Amex - 1K| |Ann Taylor - 0.5K| |NY&C - 0.5K|
Message 4 of 19
Established Contributor

Re: Surprised-BOA luv button instant CLI

Congrats!



Starting Score: EQ 609, EX 633(Fako), TU 700
Current Score: EQ 699, EX 758, TU 733
Goal Score: 720 across the board
Garden Club Member-GC Challenge: App free since 10/31/12 Smiley Wink
Message 5 of 19
Super Contributor

Re: Surprised-BOA luv button instant CLI

That's nice, surprised they pulled TU. They always pull EX for me.




Message 6 of 19
Established Contributor

Re: Surprised-BOA luv button instant CLI

they pulled EXP on application. all three cli's have been TU

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 7 of 19
Contributor

Re: Surprised-BOA luv button instant CLI

Nice job...congrats.

 

I have a card with them that was opened in August and I want some luv!!! Where did you find the so called 'luv button'??????


Current: 12/6/12 708 Exp Fico
Goal Score: 740then Garden
Message 8 of 19
Frequent Contributor

Re: Surprised-BOA luv button instant CLI

on 10-27 they pulled TU for my CLI, went from 2k to 8.3k.  Took a hard pull though.  My TU only had two INQ anyway.

 

I will take it, I asked for 6.3k, wished I asked for more, if i would have known they would HP.

 

Not bad since account was open 4-2012.  I guess I could recon for more, any thoughts ?

 

Thanks

 

About 400k in Credit Lines
CSP 29.9k, Citi DP 42.5k, Chase Marriott 12k, Chase IHG 6.5k, Sams MC 20k, Amex Hilton Surpass 356k, Hawaii Air 26k, Discover More 50k, Chase SWA 3.5k, WF PLOC 30k, B of A Visa 43.8k, Wells Plat Visa 8.3k, RC Willey 5k, Pen Fed Visa 43.7k, Pen Fed PLOC 25k, Lowes 25k, CSR 28.8k
Message 9 of 19
Established Contributor

Re: Surprised-BOA luv button instant CLI

why ask for a weird increasae like 6.3K? I asked for a 3K increase figuring id get 1-2K. youve got 3 cards over 10K, why not try at least 9500 instead of 8300?

It's possible now that is been done theyll want to HP you again if you ask for more. Woudn't hurt to try a recon, but make to ask if its going to be another HP. if so, eject!

EQ-736(08/14) TU-752(09/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 11.7K | Disc It 10.5K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yrs AAOA: 2yrs
Message 10 of 19